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How investors can benefit

Investing in the consumer credit asset class through LendingClub provides a portfolio diversification opportunity and the potential to earn competitive returns.

4–8%

Historical returns*

LendingClub offers investors access to the consumer credit asset class which, until recently, has historically been available only to banks and large institutions.

Learn more about historical returns

99%

of portfolios with 100+ Notes see positive returns*

Investors may avoid the ups and downs associated with the stock market because LendingClub Notes have low correlation to the stock market.*

See how diversification can reduce volatility

12

Monthly payments of principal and interest

Investors receive principal and interest monthly as borrowers make payments on their loans.

Start Investing
199,373 +
Investors
3 Million +
Borrowers
45 Billion +
Invested

Here’s how the math works*

This hypothetical illustration shows how the LendingClub platform works for investors. As borrowers make payments on their loans, investors are paid monthly on their corresponding Notes, minus the impact of borrower defaults and LendingClub fees. Keep in mind that an investor's returns can vary based on many factors.

Hypothetical Example*:

Average interest rate for portfolio*
14%
Estimated effect of charge-offs and prepayments*
-8%
Effect of LendingClub fees*
-1%
Annualized Net Return*
= 5%

Various factors can impact individual portfolio results. Investors should review the prospectus and consult with an investment advisor prior to investing.*

LendingClub has been recognized by

Investor mobile app

With our mobile app, investors can invest in Notes, see current returns, update investment strategies, transfer money, and more.

Apple iOS App Store Android Play Store

Are you a Financial Advisor? Learn more about how you can add consumer credit to your clients’ portfolios.

Are you an institution or a bank? Learn more about our partnership opportunities.

Checking your rate generates a soft credit inquiry, which is visible only to you. A hard credit inquiry that may affect your credit score only appears when your loan is issued.

LendingClub Notes are not FDIC insured • not guaranteed • may lose value

LendingClub Member Payment Dependent Notes (Notes) are offered by prospectus. Investors should review the risks and uncertainties described in the prospectus carefully prior to investing. Historical performance is not a guarantee of future results and investors may lose some or all of the principal invested. LendingClub does not provide investment, tax, or legal advice. You should consult your legal, tax, and/or investment professional prior to making any financial or investment decision. While returns are dependent upon borrower payments of principal and interest, Note holders do not have a security interest in the corresponding loans or loan proceeds. Notes are unsecured obligations of LendingClub. Returns may be impacted by, among other things, the number and attributes of Notes owned, as well as macroeconomic and other conditions.